3,369 Senior Cras jobs in the United States

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a "Best Place to Work in the Bay Area" three years in a row, "Top Companies to work for in Arizona" and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role :
We are seeking an experienced a Director of Credit Risk to develop and manage credit risk strategies to support Upgrade's Indirect Auto Finance portfolio. We are rapidly growing our business and are seeking an individual to help manage the processes, procedures and strategies required to accelerate our geographic expansion. Must be a very hands-on manager and extremely detail-oriented. The ideal candidate will possess deep, hands-on auto finance risk experience, specifically within the sub-prime and near-prime lending segments. This will be a hybrid role and will require you to go into our Atlanta office 3 times a week.

What You'll Do :

• Identify potential issues and risks, particularly those unique to the sub/near prime segment, and develop analytical approaches, solutions, or credit risk strategies to answer business questions, mitigate risks, increase capture rates, and improve decision automation.
• Understands uniqueness and complexities of the near/subprime borrower, product, dealer and collateral and has demonstrated the ability to develop strategies to manage these risks
• Collaborate closely with the Auto Production team to review and enhance Upgrade's underwriting practices (including auto/manual approval strategies, credit policy, procedures, and model use), specifically tailoring approaches for various sub-prime and near-prime risk tiers to achieve results within Upgrade's credit risk tolerance.
• Design, implement, and optimize end-to-end credit strategies for sub-prime auto lending, covering origination, underwriting, portfolio management, and collections
• Monitor loan performance through hands on analysis with a deep dive into sub-prime vintage and segmentation performance.
• Obtain subject matter expertise in internal and external data sources and ensure data integrity
• Ensure all strategy/policy changes are appropriately documented with proper approval(s) and work with engineering team through testing and implementation.

What We Look For :

• 10+ years of experience in a consumer credit risk role at a financial institution.
• Bachelor's degree required (preferably in Finance, Economics, Statistics, or a related field).
• Strong analytical mindset with a passion for solving complex, data-driven problems.
• Ability to think strategically and tackle 'white space' problems with innovative solutions.
• Advanced proficiency in SQL, Python, or R for data analysis and risk modeling.
• Detail-oriented with a proven ability to interpret and present complex financial data in a clear and actionable manner.
• Excellent communication and presentation skills, with the ability to engage diverse audiences, including senior management, investors, auditors, and regulators.
• Proactive, self-driven, and thrives in a fast-paced environment.
• Strong collaborator and team player who can work cross-functionally to achieve business goals.

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Competitive 401(k) and RRSP program
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

#BI-Hybrid #LI-Hybrid

For California residents: Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement.

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a "Best Place to Work in the Bay Area" three years in a row, "Top Companies to work for in Arizona" and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role :
We are seeking an experienced a Director of Credit Risk to develop and manage credit risk strategies to support Upgrade's Indirect Auto Finance portfolio. We are rapidly growing our business and are seeking an individual to help manage the processes, procedures and strategies required to accelerate our geographic expansion. Must be a very hands-on manager and extremely detail-oriented. The ideal candidate will possess deep, hands-on auto finance risk experience, specifically within the sub-prime and near-prime lending segments. This will be a hybrid role and will require you to go into our Phoenix office 3 times a week.

What You'll Do :

• Identify potential issues and risks, particularly those unique to the sub/near prime segment, and develop analytical approaches, solutions, or credit risk strategies to answer business questions, mitigate risks, increase capture rates, and improve decision automation.
• Understands uniqueness and complexities of the near/subprime borrower, product, dealer and collateral and has demonstrated the ability to develop strategies to manage these risks
• Collaborate closely with the Auto Production team to review and enhance Upgrade's underwriting practices (including auto/manual approval strategies, credit policy, procedures, and model use), specifically tailoring approaches for various sub-prime and near-prime risk tiers to achieve results within Upgrade's credit risk tolerance.
• Design, implement, and optimize end-to-end credit strategies for sub-prime auto lending, covering origination, underwriting, portfolio management, and collections
• Monitor loan performance through hands on analysis with a deep dive into sub-prime vintage and segmentation performance.
• Obtain subject matter expertise in internal and external data sources and ensure data integrity
• Ensure all strategy/policy changes are appropriately documented with proper approval(s) and work with engineering team through testing and implementation.

What We Look For :

• 10+ years of experience in a consumer credit risk role at a financial institution.
• Bachelor's degree required (preferably in Finance, Economics, Statistics, or a related field).
• Strong analytical mindset with a passion for solving complex, data-driven problems.
• Ability to think strategically and tackle 'white space' problems with innovative solutions.
• Advanced proficiency in SQL, Python, or R for data analysis and risk modeling.
• Detail-oriented with a proven ability to interpret and present complex financial data in a clear and actionable manner.
• Excellent communication and presentation skills, with the ability to engage diverse audiences, including senior management, investors, auditors, and regulators.
• Proactive, self-driven, and thrives in a fast-paced environment.
• Strong collaborator and team player who can work cross-functionally to achieve business goals.

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Competitive 401(k) and RRSP program
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

#BI-Hybrid #LI-Hybrid

For California residents: Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement.

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a "Best Place to Work in the Bay Area" three years in a row, "Top Companies to work for in Arizona" and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role :
We are seeking an experienced a Director of Credit Risk to develop and manage credit risk strategies to support Upgrade's Indirect Auto Finance portfolio. We are rapidly growing our business and are seeking an individual to help manage the processes, procedures and strategies required to accelerate our geographic expansion. Must be a very hands-on manager and extremely detail-oriented. The ideal candidate will possess deep, hands-on auto finance risk experience, specifically within the sub-prime and near-prime lending segments. This will be a hybrid role and will require you to go into our Texas office 3 times a week.

What You'll Do :

• Identify potential issues and risks, particularly those unique to the sub/near prime segment, and develop analytical approaches, solutions, or credit risk strategies to answer business questions, mitigate risks, increase capture rates, and improve decision automation.
• Understands uniqueness and complexities of the near/subprime borrower, product, dealer and collateral and has demonstrated the ability to develop strategies to manage these risks
• Collaborate closely with the Auto Production team to review and enhance Upgrade's underwriting practices (including auto/manual approval strategies, credit policy, procedures, and model use), specifically tailoring approaches for various sub-prime and near-prime risk tiers to achieve results within Upgrade's credit risk tolerance.
• Design, implement, and optimize end-to-end credit strategies for sub-prime auto lending, covering origination, underwriting, portfolio management, and collections
• Monitor loan performance through hands on analysis with a deep dive into sub-prime vintage and segmentation performance.
• Obtain subject matter expertise in internal and external data sources and ensure data integrity
• Ensure all strategy/policy changes are appropriately documented with proper approval(s) and work with engineering team through testing and implementation.

What We Look For :

• 10+ years of experience in a consumer credit risk role at a financial institution.
• Bachelor's degree required (preferably in Finance, Economics, Statistics, or a related field).
• Strong analytical mindset with a passion for solving complex, data-driven problems.
• Ability to think strategically and tackle 'white space' problems with innovative solutions.
• Advanced proficiency in SQL, Python, or R for data analysis and risk modeling.
• Detail-oriented with a proven ability to interpret and present complex financial data in a clear and actionable manner.
• Excellent communication and presentation skills, with the ability to engage diverse audiences, including senior management, investors, auditors, and regulators.
• Proactive, self-driven, and thrives in a fast-paced environment.
• Strong collaborator and team player who can work cross-functionally to achieve business goals.

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Competitive 401(k) and RRSP program
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

#BI-Hybrid #LI-Hybrid

For California residents: Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement.

Job Title: Credit Support

This role is not open to relocation. Only candidates who have residency and the right to work in the Isle of Man can be considered.

Credit Support is responsible for assisting credit managers with the day-to-day administration of their credit portfolios, collaborating closely with credit managers.

Essential Qualifications:

• First Degree in Business or Commerce

Experience Required:

• 1-2 years experience in Risk & Corporate Affairs
• General business or credit knowledge; ability to interpret financial statements

Key Responsibilities:

• Support Credit Manager with daily excess management by investigating excesses and liaising with business stakeholders
• Prepare and submit motivation for approval; ensure all excesses on the portfolio are approved
• Provide comments for ad-hoc reports and oversight forums
• Ensure that limits loaded on systems match relevant credit sanctions and legal documentation
• Proactively gather documents (Review Pack) required for annual credit reviews

Please note: Our recruitment processes comply with local laws and regulations. We will never ask for money or any form of payment during recruitment. If you experience this, contact our Fraud line at +27 800222050 or

#J-18808-Ljbffr

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
As a Credit Risk Senior Officer within the Portfolio Management Credit Risk team, you will play an important role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on post-closing multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $5MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
**Job Responsibilities**
+ Oversee all aspects of credit analysis on post-closing commercial and multifamily real estate loans.
+ Evaluate and manage risks in each transaction.
+ Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
+ Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
+ Apply data analysis techniques to interpret results and provide insights and recommendations to management.
+ Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
+ Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.
**Required qualifications, capabilities, and skills:**
+ Minimum 3+ years of experience in commercial real estate lending or 5+ years of other banking/finance experience.
+ Thorough understanding of commercial / multifamily real estate property valuations, cash flow analysis, and loan documentation review.
+ Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
+ Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
+ Excellent verbal/written communication and problem-solving skills.
+ Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed.
+ Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.
**Preferred qualifications, capabilities, and skills:**
+ Bachelor's degree in accounting, finance, economics, or real estate is preferred.
+ Advanced degree in a related field.
+ Experience as a loan underwriter in commercial real estate lending is highly desirable.
+ Familiarity with regional markets and municipal regulations.
FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
**Base Pay/Salary**
San Francisco,CA 99,750.00 - 161,000.00 / year; Irvine,CA 90,250.00 - 147,000.00 / year

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
As an Asset Management Senior Associate within the Asset Management team, you will be tasked with identifying and monitoring performance risks related to investor-owned loans. You will collaborate closely with borrowers and property management agents to address emerging risks, ensuring that all reporting is completed accurately and promptly while adhering to investor guidelines and requirements. In this role, you will have the opportunity to utilize your expertise in asset management servicing, focusing on multifamily affordable products and investor-owned loans, while demonstrating strong teamwork, exceptional time management, and meticulous attention to detail. You will also be responsible for meeting both team member and team quality and quantity benchmarks.
**Job Responsibilities**
+ Evaluate property performance, market conditions, and borrower financial conditions to identify potential concerns and emerging manage risks.
+ Identify, analyze, and synthesize information to determine necessary steps for resolving problems.
+ Monitor affordable loans and track construction commitments for compliance with agency agreements and loan documents.
+ Oversee rehabilitation projects and review disbursement requests for compliance with agency requirements.
+ Assist with cash reporting and remittances to Fannie Mae and Freddie Mac, ensuring accurate and timely submissions.
+ Support investor reporting activities, including reconciliations, advances, and special remittances.
+ Ensure compliance with Servicing Standards, internal policies, and key terms from loan documents, addressing exceptions as needed.
+ Summarize research to respond comprehensively to inquiries from lenders, auditors, rating agencies, and other stakeholders.
+ Maintain strong client relations and interact effectively with internal and external customers.
+ Document and maintain procedures for responsible tasks.
+ Take on additional responsibilities as opportunities arise.
**Required qualifications, capabilities and skills**
+ Bachelor's degree in Finance, Real Estate, Business, Accounting, or equivalent work experience.
+ Minimum 4 years' of experience in investor reporting activities, including reconciliations.
+ Strong attention to detail and accuracy.
+ Familiarity with Fannie Mae and Freddie Mac Multifamily Servicing Guides and systems, such as MAMP, CESIR, eServicing, PRS, CRT and MyOptigo.
+ Excellent business communication skills and ability to collaborate effectively with internal departments.
+ Ability to multitask and manage competing deadlines with minimal supervision.
+ Strong knowledge of commercial and multifamily affordable loan documents.
+ Proficient in Excel, with experience using multiple formulas and macros.
**Preferred qualifications, capabilities and skills**
+ 2+ years of experience in CREFC Reporting.
+ Understanding of forward commitments, bond credit-enhanced mortgages, low-income housing tax credits, and MBS tax-exempt bonds.
+ Awareness of current real estate market trends.
+ Proficient in Microsoft Office, including Word, Excel, Access, and PowerPoint.
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Credit Risk Senior Officer within the Portfolio Management Credit Risk team, you will play an important role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on post-closing multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $5MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

Job Responsibilities

• Oversee all aspects of credit analysis on post-closing commercial and multifamily real estate loans.
• Evaluate and manage risks in each transaction.
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
• Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
• Apply data analysis techniques to interpret results and provide insights and recommendations to management.
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
• Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

Required qualifications, capabilities, and skills:

• Minimum 3+ years of experience in commercial real estate lending or 5+ years of other banking/finance experience.
• Thorough understanding of commercial / multifamily real estate property valuations, cash flow analysis, and loan documentation review.
• Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
• Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
• Excellent verbal/written communication and problem-solving skills.
• Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.

Preferred qualifications, capabilities, and skills:

• Bachelor's degree in accounting, finance, economics, or real estate is preferred.
• Advanced degree in a related field.
• Familiarity with regional markets and municipal regulations.

FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Base Pay/Salary
San Francisco,CA 99,750.00 - 161,000.00 / year; Irvine,CA 90,250.00 - 147,000.00 / year

Join J.P. Morgan's Corporate & Investment Bank, a global leader trusted by the world's most important corporations, governments, and institutions. As part of our Asset Managers Credit Risk Team, you'll manage exposure to industry-leading asset management firms, private equity sponsors, and real estate fund managers. This role offers the opportunity to lead credit relationships and drive strategic initiatives in a dynamic and innovative environment. Be part of a team that values your expertise and fosters professional growth.

As a Credit Officer in the Asset Managers Credit Risk Team, you will have primary responsibility for a predominately Alternative Asset Manager segment within the broader portfolio. You will serve as a best practice leader for these credit relationships and report to the Group Leader. You will oversee transaction structures, perform borrower and counterparty due diligence, and monitor ongoing exposure from traditional bank lending products, structured financing, and capital markets trading activities. Together, we will create opportunities for growth and success.

Job responsibilities:

• Provide credit expertise in structuring corporate financings and trading facilities.
• Oversee legal negotiations for various transaction types.
• Supervise and review analysis, seeking credit and regulatory approval.
• Oversee client due diligence, financial and risk analysis, and prepare credit approval memos.
• Lead credit due diligence for bank and bond executions.
• Perform Agent role for closed syndicated transactions.
• Review and approve Counterparty Trading activity.
• Set and communicate credit exposure appetite across all products.
• Serve as principal contact and partner with colleagues across various departments.
• Assess creditworthiness of clients and assign appropriate credit ratings.
• Mentor and guide junior resources, managing workloads and deadlines.

Required qualifications, capabilities, and skills:

• 9 years of professional work experience in financial services.
• Credit/Market Risk or Structuring/Origination experience required.
• Strong credit background and analytical skills.
• Solid familiarity with leveraged finance underwriting and credit agreements.
• Understanding of financial products and market dynamics.
• Strong interest in client interaction with outstanding communication skills.
• Ability to perform well under pressure in a demanding environment.
• Proficiency in Excel, PowerPoint, and Word.

Preferred qualifications, capabilities, and skills:

• Knowledge of Asset Management, Financial Technology, and FIG industries.
• Experience in investment banking or similar fields.
• Demonstrated ability to lead development of new risk rating methodologies.
• Experience in managing client portfolios and exposure.
• Ability to lead group-wide efficiency projects.
• Experience in mentoring and guiding junior resources.
• Ability to assist with recruiting and training junior team members.

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Base Pay/Salary
New York,NY $166,250.00 - $260,000.00 / year

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As an Asset Management Senior Associate within the Asset Management team, you will be tasked with identifying and monitoring performance risks related to investor-owned loans. You will collaborate closely with borrowers and property management agents to address emerging risks, ensuring that all reporting is completed accurately and promptly while adhering to investor guidelines and requirements. In this role, you will have the opportunity to utilize your expertise in asset management servicing, focusing on multifamily affordable products and investor-owned loans, while demonstrating strong teamwork, exceptional time management, and meticulous attention to detail. You will also be responsible for meeting both team member and team quality and quantity benchmarks.

Job Responsibilities

• Evaluate property performance, market conditions, and borrower financial conditions to identify potential concerns and emerging manage risks.
• Identify, analyze, and synthesize information to determine necessary steps for resolving problems.
• Monitor affordable loans and track construction commitments for compliance with agency agreements and loan documents.
• Oversee rehabilitation projects and review disbursement requests for compliance with agency requirements.
• Assist with cash reporting and remittances to Fannie Mae and Freddie Mac, ensuring accurate and timely submissions.
• Support investor reporting activities, including reconciliations, advances, and special remittances.
• Ensure compliance with Servicing Standards, internal policies, and key terms from loan documents, addressing exceptions as needed.
• Summarize research to respond comprehensively to inquiries from lenders, auditors, rating agencies, and other stakeholders.
• Maintain strong client relations and interact effectively with internal and external customers.
• Document and maintain procedures for responsible tasks.
• Take on additional responsibilities as opportunities arise.

Required qualifications, capabilities and skills

• Bachelor's degree in Finance, Real Estate, Business, Accounting, or equivalent work experience.
• Minimum 4 years' of experience in investor reporting activities, including reconciliations.
• Strong attention to detail and accuracy.
• Familiarity with Fannie Mae and Freddie Mac Multifamily Servicing Guides and systems, such as MAMP, CESIR, eServicing, PRS, CRT and MyOptigo.
• Excellent business communication skills and ability to collaborate effectively with internal departments.
• Ability to multitask and manage competing deadlines with minimal supervision.
• Strong knowledge of commercial and multifamily affordable loan documents.
• Proficient in Excel, with experience using multiple formulas and macros.

Preferred qualifications, capabilities and skills

• 2+ years of experience in CREFC Reporting.
• Understanding of forward commitments, bond credit-enhanced mortgages, low-income housing tax credits, and MBS tax-exempt bonds.
• Awareness of current real estate market trends.
• Proficient in Microsoft Office, including Word, Excel, Access, and PowerPoint.

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans